Medicare Part A and Part B: What is covered and not covered?
Many people applying for Medicare Part A and Part B could think more items are covered than are actually covered, and that there are low or no deductibles and copays.
This is a list of some items Medicare Part A and Part B do not cover:
- Does not have a Part D Drug Plan
- Long-Term Care
- Nursing home care
- Eye Exams
- Hearing Aids
- Most Dental Routine
- Foot Care
- Gym Membership
- Routine physical exams
- Only 80 % of all outpatient services are approved by Medicare.
- Concierge Services
- Only portions of your hospital costs.
- And More
What Part A covers and does not cover in 2025:
- Medicare covers all costs for the first 60 days in the hospital, except for the deductible of $1,676.
- Medicare covers all costs for days 61 to 91 in the hospital, other than the $419 per day that you must pay.
- All costs for days 91 to 150 in the hospital, other than the $838 per day you pay.
- After 151 days or more, you pay all costs.
- And more.
What Part B covers and does not cover in 2025:
- Annual Deductible of $257.
- Pays 80% of the approved amount. You must pay 20%. There is no limit.
- Pays Clinical Laboratory Services 100% of the approved amount.
- And more.
Conclusion:
You need to cover your financial expenses for medical costs once you are on Medicare. There are also penalties if you do not sign up for Medicare Part A and B when you should. You need a reliable, experienced Medicare Broker who can offer you solutions, such as Welch Insurance.
If you would like to compare Medicare Advantage Plans, Medicare Supplement Plans, or Part D drug plans in your area and live in one of the following states, tap on the state: Arizona, California, Nevada, Oregon, or Washington.
Call 800-641-3315 and ask for Roy.
Or SCAN the QR Code below.
If you live near Huntington Beach, California, and want an experienced local Independent Medicare Agent, please visit Welch Insurance for Medicare.
